California Homeowners Insurance Index (2016)

The purpose of this study is to explore the average homeowner’s insurance rates for California by geographic location, coverage provider, coverage amount, and home age. The data spans 270 major cities for policy limits ranging from $200,000 – $750,000 in coverage and includes rates provided to the California Department of Insurance (CDI) by 54 California-admitted insurers. It also analyzes these “high-impact” variables and how they affect homeowners insurance rates at a macro level.

What is the Average Cost of Home Insurance in California?

The table below shows the average premium cost for home insurance policies with coverage limits of $200,000-$750,000 as well as the state average of $1,366.42. By mapping the average home insurance premium for all 58 counties in California, we can see geographically which regions have the lowest and highest average premiums.

Home Insurance: California vs. National

Home insurance rates in California rank slightly below the national average. The graph below shows that California has been able to control their average homeowners insurance premiums significantly better than the rest of the nation. In 2007 California’s average homeowners premium was $103 more expensive than the National average. However, by 2014, California had turned the tables and managed to come in $121 bellow the national average.

What are the Top 10 Regions for Home Insurance in California?

Our analysis found that geographical location is a high-impact factor in determining premium costs. Depending on where you live in California, the cost of insuring your home can vary drastically over a relatively short distance. For instance, a 1 hour drive south from Ventura – Oxnard to Los Angeles – Echo Park shows an average increase in annual premium of 59% from $1060.47 to a staggering $1,789.32.

Most Expensive Regions in California

Los Angeles LA South

Los Angeles LA Central

Los Angeles Echo Park

Los Angeles Del Rey

Los Angeles Mid-City

Los Angeles Hollywood West

Los Angeles Vermont

Los Angeles Wilshire La Brea

Los Angeles El Sereno

Los Angeles Compton

Least Expensive Regions in California

Santa Barbara Santa Maria

San Luis Obispo – San Luis Obispo

Santa Barbara Lompoc

Santa Barbara Downtown

Ventura Oxnard – South

Santa Barbara El Sueno

San Luis Obispo Paso Robles

Ventura Oxnard – Northwest

Ventura Camarillo

San Diego Ocean Beach

How Do Popular Counties Compare?

With a total of 58 counties and a diverse geographical landscape, California’s homeowners insurance premiums largely depend on where your home is located. Counties like Los Angeles and San Francisco rank among the highest while counties like San Diego and Orange County are relitively inexpensive.

How Much Does Home Insurance Cost in My City?

The expanded table below provides a comprehensive account of average premiums in California. It includes data from 270 major regions across the state and for policy limits ranging from $200,000 – $750,000 in coverage. The table provides detailed insights into the most and least expensive cities for a wide range of coverage limits and the overall average.

(Data table can be sorted by clicking on the blue header sections)

Green= Below California Average

Red= Above California Average

County / City

$200k

$300k

$400k

$500k

$750k

Average Cost

ALAMEDA ALAMEDA

813.40

1144.72

1329.03

1636.41

2088.74

$1402.46

ALAMEDA BERKELEY

920.11

1297.82

1519.37

1872.77

2363.37

$1594.69

ALAMEDA FREMONT

735.92

1033.36

1203.48

1483.00

1871.16

$1265.38

ALAMEDA HAYWARD

779.26

1091.57

1269.92

1565.50

1993.72

$1339.99

ALAMEDA LIVERMORE

689.70

973.33

1140.16

1410.07

1762.98

$1195.25

ALAMEDA OAKLAND-Piedmont

871.15

1229.60

1434.20

1766.35

2254.65

$1511.19

ALAMEDA OAKLAND – San Leandro

951.23

1342.06

1561.33

1926.73

2441.84

$1644.64

ALAMEDA UNION CITY

767.30

1076.87

1250.94

1542.78

1952.71

$1318.12

ALPINE MARKLEEVILLE

930.11

1309.74

1533.80

1898.95

2444.33

$1623.39

AMADOR PIONEER

914.67

1290.07

1523.10

1882.07

2406.81

$1603.35

BUTTECHICO – Chapman Town

827.98

1160.17

1350.84

1664.99

2141.03

$1429.00

BUTTECHICO – Enloe Memorial Park

842.21

1179.86

1370.16

1687.52

2171.00

$1450.15

CALAVERAS VALLEY SPRING

866.20

1216.87

1424.79

1759.48

2246.35

$1502.74

COLUSA COLUSA

856.43

1199.26

1393.86

1716.41

2209.11

$1475.01

CONTRA COSTA ANTIOCH

763.04

1070.91

1244.10

1533.57

1967.53

$1315.83

CONTRA COSTA CONCORD

728.43

1018.88

1185.24

1461.42

1846.09

$1248.01

CONTRA COSTA RICHMOND

786.41

1102.90

1280.50

1577.17

2010.34

$1351.47

CONTRA COSTA WALNUT CREEK

722.79

1011.33

1173.91

1445.05

1850.65

$1240.75

DEL NORTE CRESCENT CITY

808.19

1135.72

1322.23

1631.73

2090.33

$1397.64

EL DORADO PLACERVILLE

839.64

1181.93

1387.34

1714.95

2190.55

$1462.88

EL DORADO SO LAKE TAHOE

833.64

1173.86

1382.03

1708.57

2216.84

$1462.99

FRESNO CLOVIS

785.52

1100.42

1276.29

1569.94

1948.59

$1336.15

FRESNO FRESNO – Biola Junction

787.62

1109.29

1291.52

1596.22

2013.22

$1359.57

FRESNO FRESNO – Sunnyside

796.94

1115.88

1291.03

1588.24

1989.43

$1356.30

FRESNO Reedley

793.84

1120.21

1305.60

1612.69

2047.38

$1375.94

GLENN ORLAND

863.11

1210.46

1416.14

1745.63

2240.22

$1495.11

HUMBOLD TEUREKA – Carson Park

789.88

1106.93

1284.80

1582.33

2024.75

$1357.74

HUMBOLDT EUREKA – Pine Hill

777.11

1089.00

1267.87

1562.58

1983.34

$1335.98

HUMBOLDT MCKINLEY VILLE

784.18

1099.82

1283.65

1583.07

2007.67

$1351.68

IMPERIAL CALEXICO

910.83

1283.35

1496.35

1848.43

2403.31

$1588.45

IMPERIALEL CENTRO

899.26

1266.52

1474.50

1819.34

2354.91

$1562.90

INYO BISHOP

820.50

1151.65

1343.76

1656.99

2128.81

$1420.34

KERN BAKERSFIELD – Kern City

793.06

1118.50

1311.92

1619.29

2027.37

$1374.03

KERN BAKERSFIELD – Panama

798.80

1128.75

1325.29

1637.27

2054.85

$1388.99

KERN DELANO

813.01

1143.43

1333.82

1645.16

2083.42

$1403.77

KERN RIDGECREST

797.63

1128.36

1318.11

1628.73

2079.87

$1390.54

KERN WASCO

817.52

1149.58

1342.76

1656.16

2097.35

$1412.68

KINGS HANFORD

769.47

1079.22

1252.44

1542.68

1965.63

$1321.89

LAKE LAKEPORT

878.28

1233.89

1440.90

1774.86

2282.05

$1522.00

LASSEN SUSANVILLE

900.79

1264.77

1482.51

1826.48

2317.86

$1558.48

LOS ANGELES ALHAMBRA

742.02

1042.58

1218.90

1503.61

1923.30

$1286.08

LOS ANGELES ALTADENA

765.32

1075.74

1267.31

1563.88

1972.18

$1328.89

LOS ANGELES AZUSA

805.06

1128.24

1322.18

1628.33

2063.09

$1389.38

LOS ANGELES BALDWIN PARK

771.95

1083.97

1267.00

1562.15

1989.04

$1334.82

LOS ANGELES BELL

900.48

1257.99

1450.55

1783.79

2260.72

$1530.70

LOS ANGELES BELLFLOWER

797.35

1123.86

1307.97

1611.26

2068.9

$1381.87

LOS ANGELES BURBANK

867.82

1213.26

1404.93

1727.93

2226.63

$1488.11

LOS ANGELES CANOGA PARK

912.74

1283.77

1507.11

1858.33

2387.81

$1589.95

LOS ANGELES CANYON COUNTRY

859.33

1208.11

1410.12

1740.57

2231.30

$1489.89

LOS ANGELES CARSON

874.42

1216.98

1401.76

1721.69

2184.17

$1479.80

LOS ANGELES CERRITOS

787.11

1110.45

1292.98

1593.37

2037.58

$1364.30

LOS ANGELES CHATSWORTH

899.83

1268.02

1490.89

1838.65

2364.44

$1572.37

LOS ANGELES COMPTON

968.70

1355.86

1569.03

1930.12

2458.68

$1656.48

LOS ANGELES CULVER CITY

845.23

1183.26

1371.82

1686.54

2159.85

$1449.34

LOS ANGELES EL SEGUNDO

750.82

1049.57

1221.19

1502.35

1905.18

$1285.82

LOS ANGELES GARDENA

868.67

1209.98

1394.21

1712.16

2176.69

$1472.34

LOS ANGELES GLENDALE

832.63

1174.37

1377.22

1698.31

2183.58

$1453.22

LOS ANGELES GLENDORA

788.11

1103.81

1291.20

1590.35

2024.90

$1359.67

LOS ANGELES HAWTHORNE

872.19

1216.09

1402.72

1723.04

2187.72

$1480.35

LOS ANGELES HOLLYWOOD – WEST

1002.57

1413.01

1660.16

2044.71

2611.19

$1746.33

LOS ANGELES HUNTINGTON PARK

917.33

1280.63

1476.33

1814.35

2324.26

$1562.58

LOS ANGELES INGLEWOOD

929.97

1300.14

1499.53

1844.41

2333.94

$1581.60

LOS ANGELES LA PUENTE

790.47

1109.97

1301.31

1604.68

2031.12

$1367.51

LOS ANGELES LA – CENTRAL

1038.90

1462.71

1694.93

2084.51

2703.16

$1796.84

LOS ANGELES LA – EAST

883.33

1235.89

1424.02

1749.71

2253.35

$1509.26

LOS ANGELES LA – ECHOPARK – SILVERLAKE

1035.17

1457.39

1690.03

2078.00

2686.00

$1789.32

LOS ANGELES LA – ELSERENO

990.39

1388.96

1602.27

1970.04

2564.07

$1703.15

LOS ANGELES LA – GRIFFITH

953.30

1342.60

1563.72

1924.87

2471.05

$1651.11

LOS ANGELES LA – HIGHLAND PARK

913.52

1278.55

1481.98

1821.49

2335.88

$1566.28

LOS ANGELES LA – MARVISTA – CULVER CITY

844.02

1182.80

1373.82

1689.12

2173.60

$1452.67

LOS ANGELES LA – MIDCITY

1026.22

1445.49

1670.44

2054.19

2667.88

$1772.84

LOS ANGELES LA – SOUTH

1049.17

1477.57

1709.32

2103.22

2736.67

$1815.19

LOS ANGELES LA – VERMONT

999.04

1406.16

1634.49

2011.74

2592.40

$1728.77

LOS ANGELES LA – Del Rey

1030.12

1451.36

1679.36

2066.37

2680.39

$1781.52

LOS ANGELESLA – WEST

893.50

1251.48

1450.51

1782.47

2301.79

$1535.95

LOS ANGELES LA – WESTCHESTER

860.05

1202.05

1391.05

1710.04

2184.24

$1469.49

LOS ANGELES LA – WILSHIRE – LA BREA

1000.75

1407.13

1632.00

2007.39

2585.22

$1726.50

LOS ANGELES LAKEWOOD

766.35

1080.06

1256.62

1548.29

1981.90

$1326.64

LOS ANGELES LANCASTER

954.80

1332.74

1548.61

1902.99

2424.83

$1632.79

LOS ANGELES LONG BEACH

774.26

1090.32

1273.15

1569.87

1981.09

$1337.73

LOS ANGELES LONGBEACH – COLLEGE

737.74

1037.19

1210.00

1490.87

1897.81

$1274.72

LOS ANGELES MONROVIA

758.13

1066.74

1251.44

1544.17

1965.64

$1317.22

LOS ANGELES MONTEBELLO

783.36

1102.11

1282.44

1580.93

2014.88

$1352.75

LOS ANGELES MONTEREY PARK

757.77

1064.79

1240.67

1530.79

1967.80

$1312.36

LOS ANGELES NORTHRIDGE – 91325

916.52

1287.10

1505.25

1855.59

2386.32

$1590.16

LOS ANGELES NORTHRIDGE – 91326

942.20

1324.73

1561.16

1924.79

2473.27

$1645.23

LOS ANGELES NORWALK

826.23

1159.72

1344.90

1654.26

2115.92

$1420.21

LOS ANGELES PACIFIC PALISADES

873.88

1225.06

1435.40

1765.47

2252.15

$1510.39

LOS ANGELES PACOIMA

906.97

1275.00

1481.78

1828.60

2351.72

$1568.81

LOS ANGELES PALMDALE

959.12

1339.01

1552.45

1909.07

2453.66

$1642.66

LOS ANGELES PALOS VERDES

746.68

1045.82

1220.24

1501.82

1903.70

$1283.65

LOS ANGELES PANORAMA CITY

894.52

1255.46

1460.45

1799.63

2310.78

$1544.17

LOS ANGELES PASADENA

N/A

N/A

N/A

N/A

N/A

N/A

LOS ANGELES PICO RIVERA

801.82

1125.14

1301.47

1602.16

2022.81

$1370.68

LOS ANGELES POMONA

826.36

1160.60

1355.33

1669.59

2133.42

$1429.06

LOS ANGELES RANCHO PALOS VERDE

744.91

1042.57

1217.48

1499.52

1901.76

$1281.25

LOS ANGELES REDONDO BEACH

741.11

1037.68

1208.59

1487.01

1894.69

$1273.82

LOS ANGELES RESEDA

928.21

1303.96

1525.32

1879.86

2408.57

$1609.18

LOS ANGELES ROSEMEAD

762.65

1073.09

1255.98

1549.50

1977.29

$1323.70

LOS ANGELES SAN PEDRO

817.13

1146.87

1331.69

1640.68

2103.03

$1407.88

LOS ANGELES SANTA CLARITA

844.18

1186.93

1388.03

1712.37

2192.77

$1464.86

LOS ANGELES SANTA MONICA

820.42

1148.30

1334.33

1640.84

2095.01

$1407.78

LOS ANGELES SOUTH GATE

899.23

1253.96

1443.71

1773.62

2281.57

$1530.42

LOS ANGELES SYLMAR

913.27

1283.61

1503.68

1853.75

2364.60

$1583.78

LOS ANGELES TEMPLE CITY

734.04

1030.75

1209.44

1491.61

1891.29

$1271.43

LOS ANGELES TORRANCE

733.69

1027.13

1196.29

1472.29

1869.50

$1259.78

LOS ANGELES VAN NUYS

903.80

1265.28

1487.20

1832.65

2332.33

$1564.25

LOS ANGELES WEST COVINA

794.44

1112.60

1297.06

1597.19

2034.74

$1367.21

LOS ANGELES WOODLAND HILLS

896.82

1258.00

1475.76

1818.48

2329.57

$1555.72

MADERA MADERA – East Madera

798.83

1124.63

1310.59

1616.54

2056.74

$1381.47

MADERA MADERA – West Madera

797.09

1122.65

1308.19

1613.59

2056.52

$1379.61

MARIN MILL VALLEY

771.81

1079.75

1250.73

1537.60

1952.15

$1318.41

MARIN SAN RAFAEL

761.33

1064.50

1232.85

1517.46

1930.18

$1301.26

MARIPOSA MARIPOSA

852.77

1197.98

1405.36

1739.10

2230.22

$1485.09

MENDOCINO UKIAH

809.65

1136.14

1322.41

1631.64

2089.32

$1397.83

MENDO CINO WILLITS

828.06

1163.12

1365.63

1688.69

2147.52

$1438.60

MERCED MERCED

751.74

1054.28

1228.41

1515.57

1912.41

$1292.48

MODOC ALTURAS

877.00

1229.62

1437.88

1770.63

2241.12

$1511.25

MONO MAMMOTH LAKES

868.52

1220.12

1423.52

1757.31

2260.70

$1506.03

MONTEREY MONTEREY

716.00

1005.48

1169.61

1442.18

1811.72

$1229.00

MONTEREY SALINAS

724.33

1019.67

1187.46

1463.93

1836.02

$1246.28

MONTEREY SEASIDE

719.75

1010.73

1174.57

1448.55

1829.46

$1236.61

NAPA NAPA

740.99

1036.86

1212.44

1500.30

1923.42

$1282.80

NEVADA GRASS VALLEY

871.23

1224.50

1445.54

1784.71

2288.77

$1522.95

ORANGE ANAHEIM – Brookhurst Center

733.27

1022.82

1184.38

1454.82

1831.07

$1245.27

ORANGE ANAHEIM – Federal

730.97

1019.67

1180.91

1451.16

1829.40

$1242.42

ORANGE BUENA PARK

708.50

990.42

1150.01

1413.07

1775.06

$1207.41

ORANGE COSTA MESA

718.26

1005.91

1172.41

1439.73

1793.79

$1226.02

ORANGE FOUNTAIN VALLEY

724.91

1014.79

1181.49

1451.59

1810.28

$1236.61

ORANGE FULLERTON

701.27

980.50

1138.71

1400.22

1762.81

$1196.70

ORANGE GARDEN GROVE

725.14

1011.50

1171.76

1440.22

1816.87

$1233.10

ORANGE HUNTINGTON BH

723.84

1014.19

1180.73

1449.80

1807.74

$1235.26

ORANGE IRVINE

722.74

1012.14

1185.50

1456.33

1811.05

$1237.55

ORANGE LA HABRA

710.45

993.37

1156.78

1421.97

1786.41

$1213.80

ORANGE LAGUNA BEACH

739.58

1036.42

1217.95

1497.67

1852.50

$1268.82

ORANGE LAGUNA NIGUEL

742.52

1040.91

1225.30

1506.71

1869.09

$1276.91

ORANGE LAKE FOREST

736.75

1033.03

1211.95

1489.88

1849.02

$1264.13

ORANGE MISSION VIEJO

748.30

1048.60

1230.93

1512.88

1878.10

$1283.76

ORANGE NEWPORT BEACH

719.13

1007.04

1171.59

1438.28

1789.45

$1225.10

ORANGE ORANGE

711.65

996.06

1158.92

1425.61

1784.02

$1215.25

ORANGE PLACENTIA

716.89

1003.03

1166.45

1435.56

1804.17

$1225.22

ORANGE SAN CLEMENTE

739.58

1035.43

1213.37

1491.14

1861.58

$1268.22

ORANGE SANTA ANA – Centennial Park

736.33

1028.05

1191.76

1463.94

1842.40

$1252.50

ORANGE SANTA ANA – Logan Park

734.68

1025.11

1188.48

1460.54

1841.49

$1250.06

ORANGE STANTON

732.94

1021.88

1182.93

1452.73

1834.29

$1244.95

ORANGE TUSTIN

717.31

1002.79

1162.88

1429.10

1809.15

$1224.25

ORANGE WESTMINSTER

723.35

1011.07

1174.35

1442.63

1810.02

$1232.28

ORANGE YORBA LINDA

720.77

1008.62

1174.39

1445.30

1815.53

$1232.92

PLACER LINCOLN

795.65

1111.69

1292.37

1597.56

2054.19

$1370.29

PLACER ROSEVILLE – Downtown

749.29

1051.66

1223.98

1510.68

1902.05

$1287.53

PLACER ROSEVILLE – Maidu Park

747.13

1048.27

1220.16

1505.69

1897.69

$1283.79

PLUMAS QUINCY

908.11

1274.21

1491.54

1837.02

2336.95

$1569.57

RIVERSIDE BANNING

823.67

1156.65

1351.78

1667.22

2150.57

$1429.98

RIVERSIDE CATHEDRAL CITY

892.13

1261.30

1479.07

1829.05

2345.50

$1561.41

RIVERSIDE CORONA – 92879

807.61

1133.95

1324.70

1633.88

2071.80

$1394.39

RIVERSIDE CORONA – 92882

805.52

1130.66

1318.47

1626.08

2079.95

$1392.13

RIVERSIDE DESERT HOT SPRINGS

897.22

1269.01

1486.42

1839.61

2363.98

$1571.25

RIVERSIDE HEMET

799.30

1122.11

1325.84

1635.95

2068.16

$1390.27

RIVERSIDE INDIO

882.36

1237.08

1443.03

1780.24

2282.50

$1525.04

RIVERSIDE LAKE ELSINORE

845.70

1189.18

1398.00

1727.17

2212.50

$1474.51

RIVERSIDE MORENO VALLEY

818.22

1147.30

1343.06

1658.41

2125.30

$1418.46

RIVERSIDE MURRIETA

799.65

1122.89

1319.14

1626.37

2080.24

$1389.66

RIVERSIDE PERRIS

850.82

1196.72

1417.81

1752.20

2247.40

$1492.99

RIVERSIDE RIVERSIDE – 92503

791.59

1110.87

1299.16

1602.80

2052.98

$1371.48

RIVERSIDE RIVERSIDE – 92506

797.57

1118.87

1310.36

1615.27

2051.31

$1378.68

RIVERSIDE TEMECULA

793.02

1113.56

1308.01

1613.35

2058.09

$1377.21

SACRAMENTO CARMICHAEL

745.55

1046.02

1220.20

1506.46

1896.73

$1282.99

SACRAMENTO FAIR OAKS

737.74

1034.77

1206.84

1489.92

1873.75

$1268.61

SACRAMENTO FOLSOM

721.88

1013.19

1182.16

1460.24

1837.19

$1242.93

SACRAMENTO FRUITRIDGE

773.92

1089.72

1271.67

1573.29

1981.64

$1338.05

SACRAMENTO GREENHAVEN

740.73

1040.57

1214.71

1500.71

1880.75

$1275.50

SACRAMENTO – Rosemont

761.92

1069.55

1248.38

1542.90

1945.97

$1313.74

SACRAMENTO – Southgate

771.50

1084.89

1265.60

1565.80

1969.99

$1331.56

SAN BENITO HOLLISTER

751.17

1056.50

1233.29

1520.57

1938.68

$1300.04

SAN BERNARDINO ADELANTO

863.78

1218.09

1426.61

1766.95

2283.58

$1511.80

SAN BERNARDINO BARSTOW

865.50

1221.90

1430.43

1768.87

2286.46

$1514.63

SAN BERNARDINO BIG BEAR LAKE

910.94

1283.15

1502.48

1859.56

2411.82

$1593.59

SAN BERNARDINO CHINO

790.40

1115.55

1308.26

1617.23

2106.13

$1387.52

SAN BERNARDINO CHINO HILLS

778.03

1098.02

1291.58

1595.13

2057.23

$1364.00

SAN BERNARDINO COLTON

808.67

1143.28

1341.95

1658.20

2119.09

$1414.24

SAN BERNARDINO FONTANA

802.74

1132.75

1329.98

1643.09

2098.95

$1401.50

SAN BERNARDINO HESPERIA

818.48

1154.31

1355.64

1676.63

2161.92

$1433.40

SAN BERNARDINO ONTARIO

790.69

1115.68

1306.02

1613.13

2091.09

$1383.32

SAN BERNARDINO RANCHO CUCAMONGA

783.00

1103.01

1293.20

1596.21

2051.71

$1365.43

SAN BERNARDINO REDLAND

786.39

1108.83

1297.18

1601.48

2068.95

$1372.57

SAN BERNARDINO RUNNING SPRINGS

887.62

1252.06

1471.90

1822.23

2358.54

$1558.47

SAN BERNARDINO SAN BERNARDINO

836.56

1183.04

1392.43

1724.59

2224.65

$1472.25

SAN BERNARDINO TWENTYNINE PALMS

845.40

1192.31

1398.51

1728.40

2217.33

$1476.39

SAN BERNARDINO UPLAND

798.28

1127.47

1319.25

1629.22

2113.85

$1397.62

SAN BERNARDINO VICTORVILLE

816.01

1150.59

1348.95

1668.20

2150.23

$1426.80

SAN BERNARDINO YUCAIPA

827.48

1168.51

1372.96

1697.28

2203.53

$1453.95

SAN DIEGO CARLSBAD

692.99

970.47

1136.64

1396.43

1755.75

$1190.46

SAN DIEGO CHULA VISTA

697.61

974.38

1138.4

1398.58

1764.87

$1194.77

SAN DIEGO DEL MAR

701.82

981.16

1148.33

1410.24

1775.66

$1203.44

SAN DIEGO EL CAJON

706.60

986.15

1158.11

1424.62

1795.20

$1214.14

SAN DIEGO ENCINITAS

702.94

982.40

1148.86

1411.03

1771.35

$1203.32

SAN DIEGO ESCONDIDO

716.28

999.92

1167.20

1433.49

1813.01

$1225.98

SAN DIEGO FALLBROOK

750.13

1048.44

1227.84

1509.18

1926.84

$1292.49

SAN DIEGO LA MESA

679.04

947.91

1106.95

1358.67

1682.88

$1155.09

SAN DIEGO LAKESIDE

724.33

1010.25

1191.46

1463.89

1853.15

$1248.62

SAN DIEGO MIRA MESA

698.84

975.09

1136.83

1395.61

1755.57

$1192.39

SAN DIEGO NATIONAL CITY

702.33

980.30

1143.84

1405.05

1771.04

$1200.51

SAN DIEGO OCEAN BEACH

663.40

924.49

1076.35

1319.72

1662.22

$1129.24

SAN DIEGO OCEANSIDE

711.52

995.26

1164.44

1431.73

1804.09

$1221.41

SAN DIEGO PACIFIC BEACH

673.16

938.88

1092.98

1340.37

1682.40

$1145.56

SAN DIEGO POWAY

721.06

1006.75

1188.62

1461.55

1835.25

$1242.65

SAN DIEGO RAMONA

777.80

1090.36

1285.19

1583.73

2040.02

$1355.42

SAN DIEGO RANCHO BERNARDO

728.13

1015.56

1183.63

1454.56

1837.95

$1243.96

SAN DIEGO SAN DIEGO – 92105

679.82

948.61

1105.34

1356.22

1702.64

$1158.53

SAN DIEGO SAN DIEGO – 92154

693.49

968.01

1127.65

1384.03

1740.40

$1182.72

SAN DIEGO SAN MARCOS

713.35

998.52

1168.58

1437.36

1815.02

$1226.57

SAN DIEGO SPRING VALLEY

710.23

993.65

1171.04

1439.44

1776.78

$1218.23

SAN FRANCISCO – Glen Park

907.30

1273.79

1472.63

1811.86

2324.54

$1558.03

SAN FRANCISCO – Mission District

936.09

1314.06

1526.75

1877.87

2391.67

$1609.29

SAN FRANCISCO – Nob Hill

935.33

1313.53

1524.31

1875.46

2388.70

$1607.47

SAN FRANCISCO – Sunset District

904.91

1268.95

1465.33

1801.85

2317.92

$1551.79

SAN JOAQUIN STOCKTON – 95206

777.30

1091.01

1269.98

1567.20

2012.02

$1343.50

SAN JOAQUIN STOCKTON – 95207

772.35

1082.22

1260.01

1554.58

1991.65

$1332.16

SAN JOAQUIN TRACY

776.52

1090.67

1268.79

1565.49

2008.84

$1342.06

SAN LUIS OBISPO SAN LUIS OBISPO

587.78

824.14

970.54

1196.17

1518.00

$1019.33

SAN LUIS OBISPO PASO ROBLES

613.97

863.40

1016.76

1255.63

1593.50

$1068.65

SANMATEO DALY CITY

725.50

1016.28

1182.69

1456.83

1832.07

$1242.67

SAN MATEO PACIFICA

729.65

1022.62

1190.83

1466.89

1853.71

$1252.74

SAN MATEO REDWOODCITY

724.62

1014.80

1181.84

1455.62

1829.45

$1241.26

SAN MATEO SAN MATEO

721.03

1009.77

1172.29

1443.35

1813.33

$1231.95

SANTA BARBARA LOMPOC

592.25

831.37

975.48

1202.40

1529.21

$1026.14

SANTA BARBARA – Downtown

599.11

839.40

985.13

1214.15

1548.78

$1037.31

SANTA BARBARA – El Sueno

612.50

859.78

1008.85

1243.70

1584.40

$1061.85

SANTA BARBARA SANTA MARIA

580.43

814.74

959.12

1182.19

1501.90

$1007.68

SANTA CLARA CAMPBELL

675.22

944.19

1097.72

1351.13

1694.89

$1152.63

SANTA CLARA CUPERTINO

673.14

941.24

1093.72

1346.08

1690.53

$1148.94

SANTA CLARA EAST PALO ALTO

704.27

985.85

1145.29

1410.84

1760.22

$1201.30

SANTA CLARA SAN JOSE – 95111

742.39

1042.60

1212.42

1494.63

1863.36

$1271.08

SANTA CLARA SAN JOSE – 95127

744.54

1045.55

1216.89

1499.87

1872.37

$1275.85

SANTA CLARA SAN JOSE – Alamitos

718.60

1006.43

1169.75

1440.52

1810.65

$1229.19

SANTA CLARA SAN JOSE – Campbell

719.97

1010.01

1176.25

1448.92

1809.53

$1232.94

SANTA CLARA SANTA CLARA

670.71

937.96

1091.73

1343.20

1683.05

$1145.33

SANTA CLARA SUNNYVALE

672.62

940.69

1094.05

1346.61

1688.57

$1148.51

SANTA CRUZ SANTA CRUZ

785.03

1105.82

1283.72

1581.92

2016.04

$1354.51

SANTA CRUZ WATSONVILLE

789.57

1111.35

1290.61

1590.46

2026.82

$1361.76

SHASTA REDDING – Enterprise

873.49

1223.70

1428.68

1759.18

2251.25

$1507.26

SHASTA REDDING – Silverthorn

879.14

1232.21

1441.84

1776.18

2274.88

$1520.85

SIERRA LOYALTON

905.12

1271.94

1492.20

1840.27

2335.78

$1569.06

SISKIYOU YREKA

885.41

1242.88

1453.42

1790.04

2280.00

$1530.35

SOLANO FAIRFIELD

736.30

1031.62

1200.66

1480.93

1867.80

$1263.46

SOLANO SUISUN CITY

745.09

1043.22

1209.69

1492.89

1902.15

$1278.61

SOLANO VACAVILLE

736.12

1031.43

1200.49

1480.55

1868.44

$1263.41

SOLANO VALLEJO – Castlewood Park

746.35

1047.42

1215.83

1499.52

1913.64

$1284.55

SOLANO VALLEJO – Downtown

737.04

1034.65

1201.26

1481.95

1882.18

$1267.42

SONOMA PETALUMA

704.76

986.60

1152.27

1423.16

1809.52

$1215.26

SONOMA SANTA ROSA – City Park

664.58

933.20

1093.73

1349.39

1694.07

$1147.00

SONOMA SANTA ROSA – Montgomery Village

658.87

925.13

1087.97

1342.79

1666.52

$1136.25

STANISLAUS MODESTO – Dry Creek

776.53

1092.24

1274.55

1574.63

1976.64

$1338.92

STANISLAUS MODESTO – Whitmore Park

765.40

1076.60

1256.36

1551.68

1945.55

$1319.12

STANISLAUS TURLOCK

750.70

1054.16

1229.29

1516.02

1887.86

$1287.61

SUTTER YUBA CITY

831.27

1163.36

1349.77

1660.10

2129.20

$1426.74

TEHAMA RED BLUFF

866.48

1214.65

1418.99

1747.48

2227.55

$1495.03

TRINITY LEWISTON

901.30

1287.99

1513.66

1869.63

2343.74

$1583.26

TULARE PORTERVILLE

746.71

1046.89

1226.11

1513.16

1932.16

$1293.01

TULARE VISALIA

731.79

1024.66

1197.16

1476.97

1883.66

$1262.85

TUOLUMNE JAMESTOWN

870.83

1224.54

1431.30

1770.93

2255.21

$1510.56

TUOLUMNE SONORA

874.82

1226.62

1435.39

1776.20

2285.40

$1519.68

VENTURA CAMARILLO

620.71

871.89

1025.63

1263.42

1617.41

$1079.81

VENTURA OXNARD – Northwest

615.99

865.48

1018.66

1256.48

1590.63

$1069.45

VENTURA OXNARD – South

610.93

858.48

1010.80

1246.10

1576.05

$1060.47

VENTURA SIMI VALLEY

660.05

928.38

1094.36

1349.01

1716.54

$1149.67

VENTURA THOUSAND OAKS

649.04

914.06

1077.21

1329.62

1692.10

$1132.41

YOLO DAVIS

717.08

1004.45

1169.41

1441.28

1819.47

$1230.34

YOLO WOODLAND

722.54

1012.29

1179.65

1453.61

1840.57

$1241.73

YUBA MARYSVILLE

851.38

1192.21

1382.72

1700.48

2185.14

$1462.39

Who are the Top 10 Companies for Home Insurance in California?

Pricing insurance premiums is a balance between providing a competitive rate while still maintaining profitability. Carriers must collect enough premium to pay out on any losses filed through claims and turn a profit while still enticing their customers with a good rate. Based on average premiums, here are the top 10 most and least expensive companies in California:

Most Expensive Companies in California

Bankers Standard

Chubb/Federal

Fireman’s Fund

AIG Property & Casualty

Foremost Insurance

Encompass

Nationside

Liberty Insurance Corp

Metropolitan Direct

Allstate

Least Expensive Companies in California

Tokio Marine America

Sequoia

Coastal Select Insurance Company

Wawanesa

General Insurance

Mercury Insurance Group

USAA

AAA

Western Mutual

California Capital

Who has the Cheapest Home Insurance in California?

With 54 California-admitted insurance carriers to choose from, premium rates are largely based on who is providing the coverage. The chart below shows that the average premium can range from $784.22 all the way to $2163.31 for the same coverage in the same city, just by changing carriers.

Which Home Insurance Company Should I Choose?

A more comprehensive breakdown of individual company rates can be seen in the table below. Sorting the table provides insights into the most and least expensive carriers for coverage limits ranging between $200,000 – $750,000, as well as the overall average for each carrier in California.

Home Insurance Coverage Limits & Deductible Options

It is important to ensure that your policy limits are enough to cover the entire cost to rebuild your home after a total loss. The graph below demonstrates the relationship between the amount of coverage, the policy deductible, and the premium paid. We can see that as the coverage limit increases, so does the average premium. It is also worth noting that increasing the policy deductible can help mitigate any additional costs of increasing coverage.

Does Home Age Affect Insurance Premiums?

Building materials and construction methods have evolved over time, making homes safer and less expensive to manufacture. This graph highlights another important variable to factor in when determining homeowners’ insurance premiums, the age of a home. The data shows that homes aged 26-40 years have a higher average premium than homes aged 7-15 years. As the age of the home increases, so does the annual premium cost. Increasing the age of a home from the lowest age range to the highest increases the average premium by $100.47.

Analysis of California Homeowners Insurance

Our goal was to address the major discrepancies between existing “cheap homeowners insurance” studies and their “real world” relevance. By using broad range of statistical data, homeowners will be able to accurately identify the most relevant insurance provider for their specific home.

In the 2013 study by the Insurance Information Institute (III), the average premium for homeowners insurance in California was calculated at $966. Our analysis shows that in 2015, the average homeowner’s premium was $951.84. However expanding the range of data to include more than just the “cheap homeowners insurance” limits, we can see a more accurate representation of the average homeowner’s insurance premium in California, $1366.42.

The major flaw of the current studies on homeowners’ insurance premiums in California is that the data sources are limited to the $200,000 – $300,000 range of policy coverage limits. However, according to the Legislative Analyst’s Office (LAO), the average home value in California is $437,000. Analysis of only the “cheap homeowners insurance” range presents the average homeowner information for an inadequate level of coverage and does not reflect the true average premium they will pay.

Premium cost in California is based heavily on the replacement cost of your home. You must insure your home to at least 80% of cost to rebuild your home in the event of a total loss. This amount should include the costs of raw materials, labor, debris removal, ordinance law, and other items. It is NOT the same as “market value”. If this “co-insurance” requirement is not met, there will be penalties, fees, and/or surcharges assessed when the insurance company pays out.

Conclusion

With an average home value in California of $437,000, this study provided a detailed analysis of homeowners insurance policies from the $200,000-$750,000 range and with homes aged 7-40 years. It considered variable factors that influence average annual premium costs, such as the geographic location across California, coverage limits of the policy, age of the home, and insurance provider among all 54 California-admitted carriers. It highlighted some high-impact factors that majorly influence premiums, particularly geographical location and choice of carrier. This comprehensive breakdown of all of the variables should provide a simplified approach for homeowners looking for insurance in the future.

Note: The limitation of this study is that it assumes the volume for each coverage amount is equal to every other coverage amount. In reality, there may be less people purchasing policies with coverage limits of $750,000 than there are those purchasing coverage limits of $300,000. However, this analysis treats them with equal weight when calculating the overall average.

Methodology and Source Files

We compiled and analyzed over 218,000 individual data points to arrive at our results. Below are the source files used to compile our data. Each file title is formatted according to [home age range]-[coverage amount]. For example, to check the average premium data for homes aged 7-15 and with policy coverage limits of $200,000 – open file “7-15 – 200k”.